Insurance & Payment Options

Payment Options

Our SD physical therapy clinic believes in the value of wellness care for you and your family, so we maintain a pricing structure that invites care for all budgets. ASIS Physical Therapy participates in most insurance programs, so we can be sure to care for you too. We now also accept auto accident and workers compensation cases. For patients who have little or no San Diego physical therapy insurance coverage, we can arrange flexible payment options. Quickly learn more about our payment options for San Diego physical therapy and wellness care; call us today at: (858) 217-2496

Insurance

At ASIS Physical Therapy, we accept most insurance plans. We accept auto accident, workers’ compensation, personal injury, and most health insurance plans, including Medicare. Call us today to see if your plan covers care from our office. Our staff will gladly verify your plan coverage and explain your benefits to you, at no extra charge.

No Insurance

For our patients who have little or no San Diego physical therapy insurance coverage, we can offer flexible payment programs. Even with no insurance or no physical therapy benefits as part of your current plan, there is still a way for you to receive the specific care you need. Many of our patients pay directly for their care, and have been extremely happy to discover that physical therapy in San Diego is cost effective, affordable, and rewarding.

Family Plans

Our focus at ASIS Physical Therapy is to actively help you and your family get the best results possible for your health, wellness, and disease management. We assist and guide you, so you truly learn to care for yourself and the important people around you. In our continuous effort to make “living the wellness lifestyle” as easy and affordable as possible, we can create a customized family plan that is specific to you and your family’s needs.

Health on a Budget

At ASIS Physical Therapy, we are convinced that spending a small amount of your time and energy now to care for your most important asset–your health–will prove to be far less time consuming and expensive than trying to recover it once it’s gone. Contact us today to hear about our SD golf exercises and other physical therapy techniques that have helped so many people. Even if you currently feel like you do not have enough time or money to take care of yourself, or that feeling good again is close to impossible, call us today – we can help!

We want you to leave our offices with all your health ‘crisis’ behind you. It’s time to take your health very seriously, because as the old adage goes, ‘if you don’t have your health, you have nothing.’ Sad but true, and unfortunately too many people fail to understand its meaning before it’s too late.

From everyone here at ASIS Physical Therapy, we would like to thank you for filling out our patient forms and medical questionnaire. We would also like to let you know that we are excited about serving you for all of your San Diego physical therapy needs! At Isis Physical Therapy, we are here to help you function and feel your best again, and you are now one step closer to achieving that for yourself.

If you are tired of limited mobility, subtle and/or obvious pain, inability to participate in certain activities, etc., chances are we can help! Maybe you simply need to learn some safe SD golf exercises to help you improve your golf game? Our Fit At The Tee Advantage or Golf Fitness Programs are likely to be perfect for you! Click here to visit our services page to learn more about what we can offer to you.

Health Insurance Terms

Below, you will see a list of terms that pertain to insurance coverage and payment for health services.

Click the terms below for the meanings:

Co-Insurance

In indemnity, the monetary amount to be paid by the patient, usually expressed as a percentage of charges.*

Co-Payment

In managed care, the monetary amount to be paid by the patient, usually expressed in terms of dollars.*

Consumer Driven Health Care (CDHC)

Refers to health plans in which employees have personal health accounts such as a health savings account, medical savings accounts or flexible spending arrangement from which they pay medical expenses directly.*

Deductible

The portion of medical costs to be paid by the patient before insurance benefits begin, usually expressed in dollars.*

Denial

Refusal by insurer to reimburse services that have been rendered; can be for various reasons.*

Eligibility

Co-Insurance

The process of determining whether a patient qualifies for benefits, based on factors such as enrollment date, pre-existing conditions, valid referrals, etc.*

Exclusions

Services that are not covered by a plan.*

Flexible Spending Arrangement (FSA)

An account that allows employees to use pre-tax dollars to pay for qualified medical expenses during the year. FSAs are usually funded through voluntary salary reduction agreements with an employer.*

Gatekeeper

In managed care, it refers to the provider designated as one who directs an individual patient’s care. In practical terms, it is the one who refers patients to specialists and/or sub-specialists for care.*

Health Maintenance Organization (HMO)

A form of managed care in which you receive your care from participating providers.*

Health Savings Account (HSA)

Co-Insurance

A savings product that serves as an alternative to traditional health insurance. HSAs enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.*

Managed Care

A method of providing health care, in which the insurer and/or employer (policyholder) maintain some level of control over costs and utilization by various means. Typically refers to HMOs and PPOs.*

Member

A term used to describe a person who is enrolled in an insurance plan; the term is used most frequently in managed care.*

Open Enrollment

A set time of year when you can enroll in health insurance or change from one plan to another without benefit of a qualifying evening.*

Out-Of-Pocket

Money the patient’s pays toward the cost of health care services.*

Payer

Co-Insurance

The party who actually makes payment for services under the insurance coverage policy. In the majority of cases, the payer is the same as the insurer. But, as in the case of very large self-insured employers, the payer is a separate entity under contract to handle the administration of the insurance policy.*

Policyholder

The purchaser of an insurance policy; in group health insurance, this is usually the employer who purchases policy coverage for its employees.*

Preferred Provider Organization (PPO)

A form of managed care in which the member has more flexibility in choosing physicians and other providers. The member can see both participating and non-participating providers. There is a greater out-of-pocket expense if member sees non-participating providers.*

Premium

The cost of an insurance plan shared by employer and employee.*

Provider

One who delivers health care services within the scope of a professional license.*

Reimbursement

Refers to the payment by the patient (first-party) or insurer (third-party), to the health care provider, for services rendered.*

*Reference: www.apta.org

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